Also had a recent salutary experience.
Early mist, then low cloud (stratus) - it started to lift prior to rough departure time (planned flight with Mrs DRJAD and two relatives to Caernarfon). Decided, eventually, to set off and see what the weather was like away from the circuit. Almost immediately ran into cloud at around 1000', though the circuit itself had been clear. No particular problem, since it was probably localized, and the weather further afield was forecast to be improving.
Still, made the decision to abort the planned trip, return to the field, and wait. (We were about 7 miles from the field when I made that decision!) So, I felt a bit embarrassed, but comforted myself with having erred on the side of caution.
Later, decided to take a trip to the coast to salvage some sightseeing for my passengers out of the situation. Cloudbase near point of departure was now around 2000' with virga. Manageable with care, and coastal weather was visibly much better. When we got to the coast, it was superb, and much appreciated by the pax..
Later still, made a third (localish) flight as further compensation for missing the Caernarfon trip, and cloudbase had risen to SCT at around 3200', with around 8km visibility inland. (Still, pax. could see their dog in their farmyard when we flew over and orbited.)
All in all, disappointing in one way, but rewarding in several others: pax. were happy afterwards, and they will fly with me again!!
(Also, pleased that, following several hours of training for the IMC rating, my first instinct when running into a bank of cloud was to recheck the AI, ASI and Altimeter!)